Out With Old…In With the New

You should always have a plan when you are setting out on shopping trip. I am not a huge fan of lists but it is helpful to know what you have and what you need before making purchases.

In order to figure out what to put on the list you will need to go through your current wardrobe and eliminate a few things. This will provide you with a better idea of what you need to purchase and you may be able to make a few dollars in the process. While sorting through your closet, ask yourself the following questions;

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Do I have 15 of these?
Unless you have to wear a uniform to work, you don’t necessarily need 15 pair of black pants. Keep the best looking and or fitting pair, take the others to a consignment shop to sell or donate them to a friend or thrift store.
 
Does it fit?
We all hold on to pieces that we just know we will fit again….If it doesn’t fit properly, let them go!
 
Does this piece work for my real life?
We have all been shopping and come across an item that we just had to have because one day we WILL attend a ball and the price on a gown is just too good to leave. It’s been 3 years since said purchase, and you haven’t even been INVITED to a ball let alone thought about attending one since the purchase, it has to go.
 
After you have gathered everything together and made your list, take those items to Plato’s Closet or Avalon Exchange. These are local buy and sell places here in St. Louis but they have similar exchange depots all over.

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And if all of this sounds like it’s just too much for you to wrap your brain around, you can always hire me! Contact me at chicstylezllc@gmail.com for a list of pricing and services.

Signed,
Chic

You can also check out Chic Stylez, LLC at http://www.chicstylezllc.com and ChicStylezBlog on Instagram.

Mo’ Money, Mo’ Problems

On June 25th of this year I celebrated my one-year service anniversary with my employer, I also celebrated a raise in pay and  a move to a different tax bracket. One would think that a change in tax brackets would have me jumping for joy, well like the song says, “Mo’ Money, Mo’ Problems.” I believe that the moment I became a mother I willingly signed over any future paychecks for at least the next eighteen years. It is by my own admission that I am a very frugal person, and a raise in pay has not changed that fact. Like a lot of adults (who were once young and irresponsible) I made my share of financial mistakes between the ages of eighteen and twenty-four. Mistakes that at the age of twenty-eight I am working to clean up. Cleaning up your financial situation is no easy feat and I am not here to give anyone a tutorial on credit and financial repair. (To be honest I have no real clue how to repair anything, especially credit)
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30 DAYS OF BROKE

Recently I had to take a job were I am now making less money than I have in a very long time. With the recent deduction in the amount of money I bring home monthly and a very high maintenance 5-year old son I had to sit down and review my budget and make some serious cutbacks. One of my new found favorite people is a woman by the name of Shanel Cooper (you will find a link to her YouTube channel further down on my page). One of her posts was titled “Put Your Money on Ice”, in the post (which I have embedded) she gives women tips on a unique way to save money. She suggests that you literally out your money on ice until you have saved up enough to take to thebank to put into an interest bearing or savings account. This made perfect sense to me because by the time it takes your money to thaw out you have forgotten what it is you were going to buy with it. So I decided to do this, I am going to set aside $20 a week for the rest of the year and literally put it on ice.

I asked some of my followers on Twitter what were some ways they liked to save, here are a few of the suggestions I received.
1. One of the most common ways to save money is to use coupons, the Sunday newspaper is a good source for coupons of all sorts; grocery store, restaurants, dollar stores etc. You can also find great coupon savings at RetailMeNot.com.
2. Ride the bus instead of driving your car (Not only does this save on gas but also helps the ozone layer) I personally decided to take advantage of this money saving tip, I spend at least $60 on gas every 2 weeks. A bus ride costs me $2, which is $16.00 a week, you do the math.
3. Distinguish between wants and needs when going shopping; if you go into the store for specific items stick to that item and that item only. This is a challenge for me because I love to shop, if I go to the grocery store for milk I come out with cereal and cookies also.
4. Take your lunch to work, not only is this a great way to keep money in your wallet but it also cuts down on the wasting of last night’s dinner.
5. I am an advocate nail shop patron, I wear acrylic nails which costs me no less than $21 every other week. I tried taking my nails off for a week in an attempt to cut costs. (I couldn’t do it. *hanging head in shame*) However I was told that it is cheaper to go to the beauty schools for manicures and pedicures. It’s professional service at a fraction of the cost.

These are just a few tips on saving money that for the next 30 days I will attempting to save money. All of my extra money outside of needs will be “put on ice” I will keep you all updated on my progress during my 30 Days of Broke. Peace and blessings ~B~


SHANEL COOPER “PUT YOUR MONEY ON ICE”